One

One is a mobile banking app that provides a comprehensive financial experience, combining payment services, banking features, and credit-building tools all in one platform. While One is not a bank, it partners with Coastal Community Bank, Member FDIC, to offer secure banking services, including FDIC insurance up to $250,000 per depositor for approved One Cash accounts. ### Key Features: - **Integrated Banking Services**: Manage your finances seamlessly with One’s easy-to-use banking tools. You can pay bills, transfer money, and monitor your accounts with just a few taps. - **Cash Back Rewards**: Earn cash back on eligible purchases through the Debit Rewards Program. Specific offers and rewards details are available directly in the app. - **High-Yield Savings**: Enjoy a competitive 5.00% annual percentage yield (APY) on your savings when you meet certain direct deposit or balance requirements, up to a total balance of $250,000. Balances exceeding this limit earn a 1.00% APY. - **Overdraft Protection**: Benefit from overdraft protection when you receive eligible direct deposits of at least $500 in the previous month. Transactions eligible for this protection are determined by One. - **Early Direct Deposit**: Access your paycheck up to two days earlier than your scheduled payday, depending on when your employer submits the payroll data. - **Credit Builder Program**: Improve your credit score by using One’s Credit Builder Program, which is available with eligible direct deposits. This program offers a structured way to build credit, although results may vary based on individual financial behavior. - **Credit Score Monitoring**: Monitor your credit score with the VantageScore® 4.0 provided by TransUnion® directly within the app. With One, you can manage your money, earn rewards, and work towards improving your credit score, all within a single, secure app.